Prime Minister Narendra Modi witnessed the launch of India's first Agentic AI Operating System by Perfios at the Global Fintech Fest 2026, aiming to revolutionize credit access for rural populations and MSMEs.

  • Perfios unveiled India's first Agentic AI Operating System for inclusive credit delivery.
  • The technology leverages real-world data (UPI, dairy payouts) to provide loans to underserved citizens.
  • Perfios currently powers 90% of India's digital loans and serves over 1,000 financial institutions globally.

In a landmark event at the Global Fintech Fest (GFF) 2026 in Mumbai, Prime Minister Narendra Modi interacted with a select group of technology leaders to witness the next frontier of financial services. Among the elite cohort, Perfios, a leading B2B SaaS TechFin company, showcased its groundbreaking Agentic AI Operating System, designed to dismantle the barriers to formal credit for millions of Indians.

Unlike traditional AI wrappers, Perfios' Agentic AI consists of autonomous, self-learning entities. These agents are built upon two decades of deep domain expertise in the Banking, Financial Services, and Insurance (BFSI) sector. By analyzing non-traditional data points, the system allows banks to evaluate creditworthiness based on actual economic behavior rather than just static credit scores.

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Why This Matters

BozokMedia analysis shows that this shift toward 'Agentic AI' marks a transition from passive tools to active financial intermediaries. By automating the underwriting process for the 'unbanked,' India is not just digitizing banking but is fundamentally redefining financial inclusion. This move positions India as a global leader in the application of AI for social economic upliftment.

The Prime Minister's interaction focused on three critical economic pillars. For Rural India, the AI can transform daily dairy collection payouts and UPI records into a trusted credit profile. For MSMEs, it integrates GST and trade data to expedite access to schemes like PM Mudra. For Young India, it provides personalized budgeting and investment guidance based on real-time spending habits.

"Agentic AI is the catalyst that will turn fragmented digital footprints into formal financial identities for the underserved."

Beyond lending, Perfios presented a comprehensive suite of eight specialized AI solutions. These include Clari5 Genie for fraud and AML investigations, DPDP Suite for data protection compliance, and Orca AI for intelligent collections orchestration. The CognifAI Assist tool further enhances customer journeys through AI voice assistance and secure co-browsing.

Target Segment Data Source Outcome
Rural Farmers Dairy Payouts, UPI Formal Bank Loans
MSMEs GST, Trade Data PM Mudra/Vishwakarma Funding
Youth Spending/Saving Habits Personalized Budgeting

Founded in 2008 and headquartered in Bangalore, Perfios has evolved into a global powerhouse, serving institutions across 20 countries. With over 8.2 billion data points delivered annually, the company continues to accelerate the speed of financial decisioning at an unprecedented scale.

Did You Know?: Perfios' technology is so deeply integrated into the Indian economy that it currently powers approximately 90% of all digital loans in the country.

Frequently Asked Questions

What is Agentic AI in banking?
Agentic AI refers to autonomous AI agents that can reason, learn, and execute complex tasks independently to determine creditworthiness and manage financial workflows.

How does this help small business owners?
It allows MSMEs to instantly combine their GST and banking data to qualify for government schemes like PM Mudra without tedious manual documentation.